Find Answers to Your Credit Questions
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Do you have a question about consumer credit? You may find an immediate answer by using the search engine. If you can't find what you're looking for, please fill out the form, being as specific as possible.
Please note: The Ask Experian team cannot respond to each question individually. However, if your question is of interest to a wide audience of consumers, the Experian team will include it in a future column.
What Affects Credit
The decisions you make about how to use credit affect your credit report and credit scores either positively or negatively. Get a better understanding of how late payments affect your credit report and score and how on-time payments build a strong credit history. Learn about how debt-related public records, such as civil judgments can impact your credit report and credit scores, and what you can do to rebuild your credit report after facing credit difficulties.
- Application declined with no “negative items”
- Balances on business credit cards could impact your personal credit report
- Cosigning for stepson can hurt your credit report
- Credit scores could be affected when credit limit is decreased
- Credit scoring systems don’t change because it is the holiday season
- Day late payment probably won’t show on credit report
- Effect of multiple mortgage applications
- Free credit reports, driving records and credit reports
- Going over the limit on your credit card
- Good saving habits and good credit go hand-in-hand
- How long an auto repossession will affect your credit
- Impact of selling house and renting on credit scores
- Inquiries by existing creditors won’t hurt your credit scores
- Rumor to leave accounts open is correct
- Settling accounts will hurt credit scores
- The impact of tax liens and why credit cards aren’t slimy and evil
- The meaning of “too few accounts paid as agreed”
- The relationship between personal and business credit reports